Have you had a look at the info page for our new course, Creating a Budget That Doesn’t Suck?
Are you on the fence about whether or not to take the plunge and join the Beta Launch?
I get it!
• You aren’t sure if the course is right for you.
• You aren’t sure if you have the time.
• You aren’t sure if I know what the heck I’m talking about!
• There is a little voice inside your head that says… I’m so busy, I’ll do it later.
Here is the thing, I have no clue if it’s the right time for you. What I can tell you is that the stress you feel when it comes to your money won’t go away until you take serious action. Plus, when it comes to taking serious action, I personally feel much less freaked out when I have someone I can call on when things become overwhelming or I want to quit. That’s what Creating a Budget That Doesn’t Suck is all about. Taking you by the hand and leading you through those money hang ups. Finding clarity among the chaos and making sure that you never feel that way again. How good would it feel 6 months from now when you can go to bed at night with the confidence of someone who knows where all their money is and what it is doing!
For those of you who still aren’t convinced, here is little sneak peek of our first module.
The word audit strikes fear in even the most steady women, yet it’s something I impose on myself quite frequently. Now I’m not talking about a tax audit, I’m not insane. Those are awful. What I am talking about is a spending audit. Periodically I like to put a magnifying glass onto my spending habits and shine a light on what is actually going on with my money.
I’m sure you are wondering, what the heck is a spending audit and why do I care?
A spending audit is simply taking the time to go through all of your spending (yes all of it, every single transaction) and putting it all in one place so you can get a good look at what your spending habits are.
Why should you bother dredging up the past? It’s done, behind you right? Well, here is the thing. The problem that most people face when they try to budget is that they guess what their spending habits are. They think they have a good handle on how much they spend but even the most savvy of us can’t remember every single financial transaction off the top of our heads.
It’s just not possible.
So here is what you need to do: take all your paperwork for the past few months (yes ALL of it) and go through it transaction by transaction. Add it all into a spreadsheet and then look at the average spending for each category. The more detailed, the better.
There are certain categories that may be exactly what you thought, these are generally the fixed expenses like your mortgage or rent. Where most budgets go off the rails is those pesky categories that get glossed over like drug stores, coffee or gifts. By writing down every single transaction you catch those problematic money pits and create a much more realistic budget that will serve you well for months and years to come.
Do you feel that hot sensation creeping up from your gut? Does your head get a little fuzzy and spinny just thinking about this stuff? If I’m right on the money, I’d encourage you to take another look at Creating a Budget That Doesn’t Suck. It can be daunting to do this kind of work and it can also be a bit of a tough pill to swallow when your spending habits are staring you right in the face. Having someone in your corner will make all of this easier, and smoother. Plus you can skip over all the stupid mistakes I learned in the 10 years it took me to hone in on a budgeting system that actually works. I’d really like to help you avoid those mistakes.
If you aren’t feeling those things that I say, ROCK ON and keep it up Diva!